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About chris_m_

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  1. I'm going to cobble together what money I can and make an offer. Maybe I do have a case but I'm running out of time fast and loosing the will to carry on. I just want it over.
  2. OK thanks again. But they will add interest etc no? And 6 years of interest on a 10k debt. That could be a lot. The difference between me being able to pay or not, therefore the difference between getting a CCJ on my record or not.
  3. Well I appreciate all advice but I'm starting to think now that there's no defence, and unless I get them paid off I will be liable for interest etc which could be a lot. I would have to get payment to them within 14 days of the date of service right? Even though I acknowledged it and bought another 2 weeks that way?
  4. It's looking like there is no defence really. Even though I stated that I intended to defend the claim when I acknowledged it, can I still pay it off in a lump sum (if I can scrape the money together)?
  5. thanks Andy Name of the Claimant ? Arrow Global / Restons Solicitors Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 09 August 2016 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 11 Sep 2016 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. Particulars of Claim The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Egg dated on or about Jun ## 2006 and assigned to the Claimant on Feb ## 2013 PARTICULARS a/c no - ########## DATE ITEM VALUE ##/11/2015 Default Balance 9300.00 Post Refri Cr NIL TOTAL 9300.00 What is the value of the claim? 9300 + 410 court fee + 100 legal representatives costs Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan When did you enter into the original agreement before or after 2007? 2006 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt bought by Arrow and they are the Claimant Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't think so Did you receive a Default Notice from the original creditor? I can't remember -- long time ago. Probably. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Redundancy / joblessness due to collapse of my industry in the recession. What was the date of your last payment? Nov 2010 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes. I gave up in Autumn 2010 when they would not see reason, and I was on the verge of suicide frankly. I stopped paying altogether and was homeless for a while, and lost touch.
  6. Thanks for the reply old cogger. This is just all very confusing. I have submitted a CPR. All that was mentioned in the Particulars of Claim was the contract (which they provided in reply to my CCA request), and the fact that the debt was assigned to them, so I asked for a copy of the contract and a copy of the Notice of Assignment. Their reply refused both.
  7. I've just spoken to national debt helpline and they suggested that just because Restons provided me with an unenforceable copy of the agreeement when I requested it, doesn't mean they won't turn up to court with a genuine one, which would trash my only defence and leave me liable to court costs too!
  8. Hello all. I have a few questions and would be very grateful for any advice. I'm not legally trained so this is all very new to me. A couple of months ago I received a letter from Restons threatening Court action, so I sent a CCA request. They sent me back a reconstituted document comprising several typed-up pages (numbered) and a single photocopied page (not numbered). My signature is not present anywhere. The document is dated Jun 2006. I then received a County Court claim two weeks ago for the same. I acknowledged it online and I'm now halfway through my time to get my defence sorted. I believe I am only a month or two away from the 6-year statute bar by the way. I originally thought it had already past, but I think I've uncovered some token payments in 2010 I'm frantically googling to find out how to defend myself. Even a delay of a couple of months would do. My current question is: Am I right in thinking that the loan would be unenforceable due to the fact that it predates April 2007 and only a reconstituted agreement was provided in reply to my CCA request? Thanks in advance for any help.
  9. Hi all. I'm back again, with good news and more requests for advice. I never heard back from Restons and the debt is now six years and one week old, as in, since the date of default as listed on my credit file. Am I right in thinking that this debt is now unenforceable, and if so what's my best plan of action? I was planning on writing to the credit agencies requesting the removal of the debt from my file and another letter to Restons telling them that they should no longer contact me. Secondly, am I now free to pursue a PPI claim against the original lender? Thanks in advance Chris
  10. Hello again all -- I'm back. I received a letter yesterday from Arrow Global stating that they do not accept that they are the creditor, but will assist in my request for documentation from the creditor. They will suspend all collection activity until they have provided the documents. They also returned the £1 postal order. Hmm. So if they're not the creditor, why are they chasing me, and why would they continue with this process at all?? Should I expect the original creditor (Egg) to get back in touch. I assumed they had sold the debt on to Arrow.
  11. Ah I see. Thanks all, I've posted the letters and will return here when they get back to me.
  12. ericsbrother - what do you mean "more than anything they want to wake you up"?
  13. I assume that this letter does not acknowledge that the debt is mine?
  14. Thanks everyone for your advice so far. I will send the CCA request to both parties at lunchtime today.
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